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Frequent Contributor
Posts: 363
Registered: ‎06-25-2013
0

up another 3 pts

Must be my lucky time! 37 pts on equifax, 34 on transunion, down one on experian :-(

 

 

The addition of the six cards I got this yr have really helped!

 
If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin
FICO Equifax-741, FICO Transunion-729, FICO Experian-740, Walmart FICO-742, Sallie Mae FICO-756
|Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Sallie Mae MC| Citi Double Cash| Discover It|Goal scores- 760+
Frequent Contributor
Posts: 363
Registered: ‎06-25-2013
0

Re: up another 3 pts

and 22 for walmart fico!

 
If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin
FICO Equifax-741, FICO Transunion-729, FICO Experian-740, Walmart FICO-742, Sallie Mae FICO-756
|Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Sallie Mae MC| Citi Double Cash| Discover It|Goal scores- 760+
Valued Member
Posts: 111
Registered: ‎09-05-2013
0

Re: up another 3 pts

You added 6 inquiries in 1 year and that helped your scores?


Starting FICO EQ Score: 597
Current FICO EQ Score: 664
Goal FICO EQ Score: 750


Take the myFICO Fitness Challenge
Community Leader
Senior Contributor
Posts: 27,607
Registered: ‎02-07-2013
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Re: up another 3 pts


Steelersboy wrote:

Must be my lucky time! 37 pts on equifax, 34 on transunion, down one on experian :-(

 

 

The addition of the six cards I got this yr have really helped!


Congarts 

+ Chase ink =




Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: up another 3 pts

Looking good!

And it's possible to have a score increase if OPs util was lowered
Frequent Contributor
Posts: 363
Registered: ‎06-25-2013
0

Re: up another 3 pts


klondike wrote:

You added 6 inquiries in 1 year and that helped your scores?


lexy hit the nail on the head

 
If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin
FICO Equifax-741, FICO Transunion-729, FICO Experian-740, Walmart FICO-742, Sallie Mae FICO-756
|Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Sallie Mae MC| Citi Double Cash| Discover It|Goal scores- 760+
Valued Member
Posts: 111
Registered: ‎09-05-2013
0

Re: up another 3 pts

Help me understand how adding 6 inquiries in 1 year, regardless of util shows responsible credit management.


Starting FICO EQ Score: 597
Current FICO EQ Score: 664
Goal FICO EQ Score: 750


Take the myFICO Fitness Challenge
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Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: up another 3 pts

@klondike

There are various reasons why a person decides to add cc's to their portfolio. Responsible credit management to me is being able to pay your debts on time, live within your means and app for cc's you need.
Frequent Contributor
Posts: 363
Registered: ‎06-25-2013
0

Re: up another 3 pts


klondike wrote:

Help me understand how adding 6 inquiries in 1 year, regardless of util shows responsible credit management.


help me understand how it doesnt

 

I have no collections, pay all bills on time, and never max out my cards. I didnt have much for revolving credit. again, show me how it doesnt

 
If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin
FICO Equifax-741, FICO Transunion-729, FICO Experian-740, Walmart FICO-742, Sallie Mae FICO-756
|Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Sallie Mae MC| Citi Double Cash| Discover It|Goal scores- 760+
Community Leader
Senior Contributor
Posts: 27,607
Registered: ‎02-07-2013
0

Re: up another 3 pts


klondike wrote:

Help me understand how adding 6 inquiries in 1 year, regardless of util shows responsible credit management.


I add 5-7 a year for different purposes

0% 

Gas incentives (current 2% when my Discover isn't getting 5%)

Food incentives (current 2% Looking at two now that gives 3% or 6%)

points structures cash back and travel miles

Signup bonuses (current 41,000 + pts)

 

There's 5 different reasons and I pay no interest on any cards 

As of August CC's have paid me 300.00+ in cash back and 4 months left in the year

I have cards that I will redeem points for gift cards come December for Christmas gifts 

So if you really take a good look at it they're paying me to use their cards and next year CCC may have other cards that suit me better...

(responsible credit management)Smiley Wink

+ Chase ink =




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